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Affordable Health Insurance

Many families and individuals across the nation are in search of finding affordable health insurance. However, as the cost of the medical insurance keeps rising medical coverage is less affordable year by year. This section covers news and research about where the health insurance is affordable and what the government or private companies are doing with health care reform.

Checklist: What's Most Important to You in Health Insurance?

Insurance plans vary. Before choosing a plan, decide what is most important to you. This checklist can help. Put a check in front of those services that are important to you. Then see how many of these services are in Policy #1, Policy #2, and Policy #3. On the checklist, write in the coinsurance or copayment rate, if there is one, and any limits on service.

Remember that the most important service to be covered is hospitalization. If you are not covered for hospital care, then one sickness could cost you thousands of dollars, even hundreds of thousands of dollars.

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Types of Health Insurance: Health Maintenance Organizations (HMOs)

Health maintenance organizations are prepaid health plans. As an HMO member, you pay a monthly premium. In exchange, the HMO provides comprehensive care for you and your family, including doctors' visits, hospital stays, emergency care, surgery, lab tests, x-rays, and therapy.

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Medicare Advantage Plans Expand Coverage to Seniors, Lower Costs for Enrollees

Better health care benefits. Medicare Advantage plans are seeking to expand coverage to 1.6 million additional seniors and persons with disabilities, while also lowering their premium and out of pocket covered services costs by an average of 10 percent and providing more benefits.

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Health Insurance Data at the Census Bureau

The Census Bureau collects health insurance data using two national surveys. The CPS ASEC is the official source of estimates used to allocate federal funding to states for the State Children's Health Insurance Program (SCHIP).

The Census Bureau collects health insurance data using two national surveys:

Survey of Income and Program Participation (SIPP).

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Your Children May Be Eligible for Free or Low-Cost Health Insurance

Do you worry that your children don't have health insurance? Your state, and every state in the nation, has a health insurance program for infants, children and teens. You work hard to provide for your children and want to make sure they grow up strong, smart and healthy. But like many parents whose children don't have health insurance, you worry about taking care of them.

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